Vanguard Fund question

I put 1/2 mine in VIPSX... a slow steady climb. The balance in high risk, high return stuff. And VIPSX will help with inflation that's sure to come with money printing idiots running things.

Vanguard is a very efficient and reputable outfit. I have used them for many years. Don't hessitate a bit.

I have some in the 2020 target fund. Been very good to me.

I've got some in two different Vanguard funds, both made about 6% over the last 12 months. Not a huge gain, but better than CDs especially in a tough year for the stock market in general.

tinker Said:
 i know i know, its not a hunting or fishing question, but it is very important to me.
does anyone have any experience with these for 401k's? i have the option to put it all in the vanguard target retirement 2050 fund or move it all around...any advise?
THANK YOU!!!

All depends on your risk tolerance.  If you are a young person, as the Target 2050 would suggest, I would say go for it.  That fund would be heavily invested in high risk, high reward kinds of investments based on the premise that you have many years to go before retirement. 

I, on the other hand, goofed around by spending 4 years in the oilfield, 4 in the Corps, and then 8 in school before I got serious about saving for retirement.  Hence, unlike others of my age I am still playing more of the high risk, high reward than such a Target 2030 fund would have adjusted my investments towards if I had been in it for the past 15-20 years.  Note, while risky now, this fund in 25 years will be mostly invested in low yield, but safer bonds.

Bottomline, if you are young enough, I like the idea of those retirement funds with a date on them.  Otherwise you may wish to simply get a financial advisor and have them help you set some goals for savings.

And, in general, I would strongly encourage you to take advantage of any retirement seminars (even if you are in your 20s) that may be offered by your employers.  Lot of employers (including mine) that think you don't need to take a retirement planning class until you are 5 years away from pulling the plug.  That's horsecrap, the time to think about it and develop a plan is when you are young and first starting a career.